| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEAHY CONSULTING SERVICES3 Filed as: LEAHY CONSULTING SERVICES LLC | 14031 STEEPLESTONE DRIVE SUITE A MIDLOTHIAN, VA 23113 | SUN LIFE ASSURANCE COMPANY OF CANADA | $36K | — | $36K | 8.09% |
| LEAHY CONSULTING SERVICES3 | 14031 STEEPLESTONE DRIVE SUITE A MIDLOTHIAN, VA 23113 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLEGIANCE BENEFIT PLAN MANAGEMENT EIN 81-0400550 CONTRACT ADMINISTRATOR | Accounting (including auditing); Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance services; Float revenue; Other insurance fees and expenses; Claims processing; Participant communication; Contract Administrator Service code 10 | — | $158K |
| SUN LIFE ASSURANCE CO. OF CANADA EIN 38-1082080 BENEFIT ADMINISTRATOR | Contract Administrator Service code 13 | — | $33K |
| DELTA DENTAL OF VIRGINIA EIN 54-0844477 BENEFIT ADMINISTRATOR | Contract Administrator Service code 13 | — | $30K |
| ALLEGIANCE CARE MANAGEMENT, INC. EIN 03-0507057 CONTRACT ADMINISTRATOR | Participant communication; Claims processing; Float revenue; Other insurance fees and expenses; Insurance services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Accounting (including auditing) Service code 10 | — | $21K |
| ALLEGIANCE COBRA SERVICES, INC. EIN 71-0916514 CONTRACT ADMINISTRATOR | Insurance services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other insurance fees and expenses; Participant communication; Contract Administrator; Claims processing; Accounting (including auditing) Service code 10 | — | $10K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 748 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 750 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 954 | $68K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 796 | $447K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 796 | $447K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 954 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.